Below is a brief overview of several of the departments within TD Financing Services,
each of which contribute to the overall success of our business.

Credit and Funding

Identifying and accurately assessing the risk of each consumer credit application
is the primary focus of the Credit department. Working in direct relationship with
our dealers and brokers, we strive to ensure that every approved application meets
the interests of TD Financing Services, our broker or dealer, and our customers.
The Funding department ensures that all of the documents provided to TD Financing
Services from our dealers or brokers meet the requirements laid out in the credit
approval.

Portfolio Management

There are a number of departments within Portfolio Management, many of which works
directly with our loan holders. Committed to providing our customers with exceptional
service, this group is responsible for handling all incoming calls, places outbound
calls as required, and works with customers to ensure that their financial goals
and objectives are met in a friendly and efficient manner.

Information Technology (IT)

The IT department provides and maintains a stable system environment with a 0% downtime
goal. The dedicated employees of the IT department facilitate business processes
by analyzing current practices, identifying areas requiring improvements, and developing
systems to better perform these processes.

Sales

Our Sales department works directly with our dealers or brokers to develop new business
and maintain relationships. Through targeted volumes, our sales consultants focus
on assigned territories to communicate our program, to provide support and training
to business partners, and to build company growth.